How to Set up a Budget and Stick to It Guthrie OK

You can use a budget to save money during the recession. Find out how to create a budget, and what it takes to successfully stick to it. Everybody is pinching their wallet these days, with bank failures and job cuts being the biggest stories on the news for many months running already.

ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.ATM fee note: There is a $1.25 fee each time you use a non-affiliated ATM.Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

ATM Fees
monthly fee: Monthly service fees range from $0 to $15.00. See institution about how these monthly fees can be waived.ATM fee note: There is a $1.00 fee each time you use a non-affiliated ATM. You can avoid this fee by using any Transfund Network ATM or ATMs at QuickTrip gas stations.Surcharge fee: Surcharge-free ATM access is available at all Transfund Network ATM locations.Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

ATM Fees
monthly fee: Monthly service fees range from $0 to $10.00. See institution about how these monthly fees can be waived.ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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How to Set up a Budget and Stick to It

Creating a Budget and Sticking to it Guide

Everybody is pinching their wallet these days, with bank failures and job cuts being the biggest stories on the news for many months running already.

Though increasing one's income is always a great idea, it's not always feasible, and thus the ability to set a budget for yourself and/or your family and obey it becomes a virtue in times of hardship. Many people try doing so, but lose control of their impulses and completely flout their own guidelines. With such people in mind, this practical guide on making a budget will help you overcome the temptations that can drive your home's finances into the red.

1 Set Yourself Goals

First, you must decide how much it is that you want to be setting aside as savings on a weekly, monthly, quarterly, or yearly basis. Some people are very frugal and do not engage in a decadent lifestyle; they are more likely to set aside a fair chunk of their income. Some people don't make enough money to set aside a dime, ever, and budgeting is an absolute necessity to prevent them from entering a sea of debt. Whatever your reason for creating a budget, you need to specify what limitations you will put on yourself and your use of your income.

2 Think of the Broader Picture

When beginning to draft a plan for yout budget, don't just think about what you're going to have to pay for from here to the end of the ...

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